CreditAccess Grameen Ltd.
•₹ 1,496.1-2.5%
2026-08-21
PROS
- Company has delivered good profit growth of 42.7% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 24.4%
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.5%
- Latest quarter profit grew 719.7% YoY, showing strong momentum
- Company has consistently been profitable over the last 5 years
CONS
- Company has a low return on capital employed of 11.4%
- Operating margins have contracted to 49.5% from 66.9%
- Thin net interest margin of 0.0%
- Growth is decelerating - 3Y profit CAGR (-2.0%) trails the 5Y trend (42.7%)
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | CREDITACC | 1517.65 | 20.11 | 24344.83 | 0.00 | 493.39 | 719.72 | 1783.49 | 22.61 | 9.98 | 68.71 |
Detailed Comparison with:
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,158 | 1,235 | 1,281 | 1,444 | 1,504 | 1,446 | 1,375 | 1,398 | 1,455 | 1,492 | 1,478 | 1,585 | 1,783 | |
| 306 | 345 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 1,124 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Interest | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 |
| Depreciation | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 | 16 | 16 |
| 467 | 467 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 | |
| Tax % | 25.44% | 25.65% | 25.70% | 25.00% | 25.63% | 26.16% | 22.81% | 7.58% | 25.80% | 25.63% | 25.40% | 23.70% | 25.25% |
| Net Profit | 0 | 0 | 0 | 0 | 398 | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 |
| 22 | 22 | 22 | 25 | 25 | 12 | -6 | 3 | 4 | 8 | 16 | 21 | 3 | |
| Equity Capital | 159 | 159 | 159 | 159 | 159 | 159 | 160 | 160 | 160 | 160 | 160 | 160 | 160 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 159 | 159 | 159 | 159 | 159 | 159 | 160 | 160 | 160 | 160 | 160 | 160 | 160 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 1,158
- 306
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 385
- Depreciation
- 12
- 467
- Tax %
- 25.44%
- Net Profit
- 0
- 22
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 1,235
- 345
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 424
- Depreciation
- 12
- 467
- Tax %
- 25.65%
- Net Profit
- 0
- 22
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 1,281
- 365
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 442
- Depreciation
- 13
- 476
- Tax %
- 25.70%
- Net Profit
- 0
- 22
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 1,444
- 434
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 482
- Depreciation
- 14
- 529
- Tax %
- 25.00%
- Net Profit
- 0
- 25
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 1,504
- 453
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 510
- Depreciation
- 14
- 535
- Tax %
- 25.63%
- Net Profit
- 398
- 25
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 1,446
- 700
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 485
- Depreciation
- 17
- 252
- Tax %
- 26.16%
- Net Profit
- 186
- 12
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 159
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- 1,375
- 1,020
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 475
- Depreciation
- 16
- -129
- Tax %
- 22.81%
- Net Profit
- -100
- -6
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- 1,398
- 864
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 478
- Depreciation
- 15
- 51
- Tax %
- 7.58%
- Net Profit
- 47
- 3
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 1,455
- 885
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 482
- Depreciation
- 15
- 81
- Tax %
- 25.80%
- Net Profit
- 60
- 4
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 1,492
- 845
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 480
- Depreciation
- 16
- 169
- Tax %
- 25.63%
- Net Profit
- 126
- 8
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 1,478
- 678
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 459
- Depreciation
- 16
- 338
- Tax %
- 25.40%
- Net Profit
- 252
- 16
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 1,585
- 660
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 478
- Depreciation
- 16
- 445
- Tax %
- 23.70%
- Net Profit
- 340
- 21
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 1,783
- 1,124
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 550
- Depreciation
- 16
- 660
- Tax %
- 25.25%
- Net Profit
- 493
- 3
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 160
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 1,282 | 1,704 | 2,461 | 2,743 | 3,545 | 5,167 | 5,752 | 6,059 | 6,339 | |
| 361 | 641 | 1,308 | 1,235 | 1,179 | 1,444 | 3,030 | 3,061 | 3,306 | |
| Operating Profit | 923 | 1,064 | 1,158 | 1,515 | 2,371 | 3,729 | 2,726 | 3,001 | — |
| OPM % | 72 | 62 | 47 | 55 | 67 | 72 | 47 | 50 | — |
| Other Income | 1 | 1 | 5 | 7 | 6 | 6 | 4 | 4 | 4 |
| Interest | 417 | 582 | 933 | 987 | 1,216 | 1,738 | 1,955 | 1,905 | 1,967 |
| Depreciation | 8 | 20 | 44 | 47 | 50 | 51 | 62 | 63 | 64 |
| 498 | 462 | 180 | 481 | 1,105 | 1,939 | 709 | 1,033 | 1,612 | |
| Tax % | 35 | 27 | 27 | 27 | 25 | 25 | 25 | 25 | 25 |
| Net Profit | 322 | 335 | 131 | 353 | 826 | 1,446 | 531 | 778 | 1,211 |
| EPS | 23 | 23 | 9 | 22 | 52 | 91 | 33 | 49 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 11 | 0 | 0 | — |
| Minority Interest | 0 | -2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 22 | 23 | 9 | 23 | 52 | 91 | 33 | 49 | — |
| Minority Interest | 0 | -2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 22 | 23 | 9 | 23 | 52 | 91 | 33 | 49 | — |
Mar 2019
- 1,282
- 361
- Operating Profit
- 923
- OPM %
- 72
- Other Income
- 1
- Interest
- 417
- Depreciation
- 8
- 498
- Tax %
- 35
- Net Profit
- 322
- EPS
- 23
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 22
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 22
Mar 2020
- 1,704
- 641
- Operating Profit
- 1,064
- OPM %
- 62
- Other Income
- 1
- Interest
- 582
- Depreciation
- 20
- 462
- Tax %
- 27
- Net Profit
- 335
- EPS
- 23
- Dividend Payout %
- 0
- Minority Interest
- -2
- Share of Associates
- 0
- Adjusted EPS
- 23
- Minority Interest
- -2
- Share of Associates
- 0
- Adjusted EPS
- 23
Mar 2021
- 2,461
- 1,308
- Operating Profit
- 1,158
- OPM %
- 47
- Other Income
- 5
- Interest
- 933
- Depreciation
- 44
- 180
- Tax %
- 27
- Net Profit
- 131
- EPS
- 9
- Dividend Payout %
- 0
- Minority Interest
- 3
- Share of Associates
- 0
- Adjusted EPS
- 9
- Minority Interest
- 3
- Share of Associates
- 0
- Adjusted EPS
- 9
Mar 2022
- 2,743
- 1,235
- Operating Profit
- 1,515
- OPM %
- 55
- Other Income
- 7
- Interest
- 987
- Depreciation
- 47
- 481
- Tax %
- 27
- Net Profit
- 353
- EPS
- 22
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 23
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 23
Mar 2023
- 3,545
- 1,179
- Operating Profit
- 2,371
- OPM %
- 67
- Other Income
- 6
- Interest
- 1,216
- Depreciation
- 50
- 1,105
- Tax %
- 25
- Net Profit
- 826
- EPS
- 52
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 52
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 52
Mar 2024
- 5,167
- 1,444
- Operating Profit
- 3,729
- OPM %
- 72
- Other Income
- 6
- Interest
- 1,738
- Depreciation
- 51
- 1,939
- Tax %
- 25
- Net Profit
- 1,446
- EPS
- 91
- Dividend Payout %
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 91
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 91
Mar 2025
- 5,752
- 3,030
- Operating Profit
- 2,726
- OPM %
- 47
- Other Income
- 4
- Interest
- 1,955
- Depreciation
- 62
- 709
- Tax %
- 25
- Net Profit
- 531
- EPS
- 33
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 33
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 33
Mar 2026
- 6,059
- 3,061
- Operating Profit
- 3,001
- OPM %
- 50
- Other Income
- 4
- Interest
- 1,905
- Depreciation
- 63
- 1,033
- Tax %
- 25
- Net Profit
- 778
- EPS
- 49
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 49
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 49
TTM
- 6,339
- 3,306
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 1,967
- Depreciation
- 64
- 1,612
- Tax %
- 25
- Net Profit
- 1,211
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 20%
- 3 Years:
- 20%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 42%
- 3 Years:
- -2%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 19%
- 3 Years:
- 3%
- 1 Year:
- 13%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 14%
- 3 Years:
- 14%
- Last Year:
- 11%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - |
| Equity Capital | 144 | 144 | 156 | 156 | 159 | 159 | 160 | 160 |
| 2,213 | 2,582 | 3,527 | 3,999 | 4,929 | 6,379 | 6,747 | 7,616 | |
| 0 | 0 | 0 | 26 | 25 | 9,871 | 10,461 | 12,929 | |
| Trade Payables | 104 | 109 | 202 | 259 | 304 | 256 | 32 | 35 |
| 5,169 | 10,174 | 11,636 | 13,525 | 17,117 | 13,369 | 11,580 | 12,086 | |
| Total Liabilities | 7,629 | 13,008 | 15,520 | 17,965 | 22,533 | 30,035 | 28,979 | 32,826 |
| ASSETS | - | - | - | - | - | - | - | - |
| 25 | 576 | 573 | 629 | 599 | 609 | 604 | 588 | |
| 0 | 46 | 1 | 1 | 455 | 1,439 | 893 | 1,075 | |
| Cash & Bank | 616 | 718 | 2,484 | 1,761 | 1,436 | 1,222 | 1,343 | 1,272 |
| 6,989 | 11,668 | 12,463 | 15,574 | 20,043 | 26,765 | 26,139 | 29,891 | |
| Total Assets | 7,629 | 13,008 | 15,520 | 17,965 | 22,533 | 30,035 | 28,979 | 32,826 |
| Total Debt | 4,867 | 9,540 | 10,941 | 12,921 | 16,312 | 21,841 | 20,446 | 23,641 |
| Net Working Capital | 548 | 586 | 2,314 | 1,466 | 1,690 | -7,380 | -8,325 | -10,570 |
| Contingent Liabilities | 0 | 1 | 0 | 0 | 0 | 4 | 4 | 0 |
| Book Value per Share | 164.14 | 189.29 | 236.73 | 266.58 | 320.15 | 410.27 | 432.43 | 485.40 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 4,867 | 9,540 | 10,941 | 12,921 | 16,312 | 21,841 | 20,446 | 23,641 |
| Net Working Capital | 548 | 586 | 2,314 | 1,466 | 1,690 | -7,380 | -8,325 | -10,570 |
| Contingent Liabilities | 0 | 1 | 0 | 0 | 0 | 4 | 4 | 0 |
| Book Value per Share | 164.14 | 189.29 | 236.73 | 266.58 | 320.15 | 410.27 | 432.43 | 485.40 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2019
- Equity Capital
- 144
- 2,213
- 0
- Trade Payables
- 104
- 5,169
- Total Liabilities
- 7,629
- 25
- 0
- Cash & Bank
- 616
- 6,989
- Total Assets
- 7,629
- Total Debt
- 4,867
- Net Working Capital
- 548
- Contingent Liabilities
- 0
- Book Value per Share
- 164.14
- Face Value
- 10.00
- Total Debt
- 4,867
- Net Working Capital
- 548
- Contingent Liabilities
- 0
- Book Value per Share
- 164.14
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 144
- 2,582
- 0
- Trade Payables
- 109
- 10,174
- Total Liabilities
- 13,008
- 576
- 46
- Cash & Bank
- 718
- 11,668
- Total Assets
- 13,008
- Total Debt
- 9,540
- Net Working Capital
- 586
- Contingent Liabilities
- 1
- Book Value per Share
- 189.29
- Face Value
- 10.00
- Total Debt
- 9,540
- Net Working Capital
- 586
- Contingent Liabilities
- 1
- Book Value per Share
- 189.29
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 156
- 3,527
- 0
- Trade Payables
- 202
- 11,636
- Total Liabilities
- 15,520
- 573
- 1
- Cash & Bank
- 2,484
- 12,463
- Total Assets
- 15,520
- Total Debt
- 10,941
- Net Working Capital
- 2,314
- Contingent Liabilities
- 0
- Book Value per Share
- 236.73
- Face Value
- 10.00
- Total Debt
- 10,941
- Net Working Capital
- 2,314
- Contingent Liabilities
- 0
- Book Value per Share
- 236.73
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 156
- 3,999
- 26
- Trade Payables
- 259
- 13,525
- Total Liabilities
- 17,965
- 629
- 1
- Cash & Bank
- 1,761
- 15,574
- Total Assets
- 17,965
- Total Debt
- 12,921
- Net Working Capital
- 1,466
- Contingent Liabilities
- 0
- Book Value per Share
- 266.58
- Face Value
- 10.00
- Total Debt
- 12,921
- Net Working Capital
- 1,466
- Contingent Liabilities
- 0
- Book Value per Share
- 266.58
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 159
- 4,929
- 25
- Trade Payables
- 304
- 17,117
- Total Liabilities
- 22,533
- 599
- 455
- Cash & Bank
- 1,436
- 20,043
- Total Assets
- 22,533
- Total Debt
- 16,312
- Net Working Capital
- 1,690
- Contingent Liabilities
- 0
- Book Value per Share
- 320.15
- Face Value
- 10.00
- Total Debt
- 16,312
- Net Working Capital
- 1,690
- Contingent Liabilities
- 0
- Book Value per Share
- 320.15
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 159
- 6,379
- 9,871
- Trade Payables
- 256
- 13,369
- Total Liabilities
- 30,035
- 609
- 1,439
- Cash & Bank
- 1,222
- 26,765
- Total Assets
- 30,035
- Total Debt
- 21,841
- Net Working Capital
- -7,380
- Contingent Liabilities
- 4
- Book Value per Share
- 410.27
- Face Value
- 10.00
- Total Debt
- 21,841
- Net Working Capital
- -7,380
- Contingent Liabilities
- 4
- Book Value per Share
- 410.27
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 160
- 6,747
- 10,461
- Trade Payables
- 32
- 11,580
- Total Liabilities
- 28,979
- 604
- 893
- Cash & Bank
- 1,343
- 26,139
- Total Assets
- 28,979
- Total Debt
- 20,446
- Net Working Capital
- -8,325
- Contingent Liabilities
- 4
- Book Value per Share
- 432.43
- Face Value
- 10.00
- Total Debt
- 20,446
- Net Working Capital
- -8,325
- Contingent Liabilities
- 4
- Book Value per Share
- 432.43
- Face Value
- 10.00
Mar 2026
- Equity Capital
- 160
- 7,616
- 12,929
- Trade Payables
- 35
- 12,086
- Total Liabilities
- 32,826
- 588
- 1,075
- Cash & Bank
- 1,272
- 29,891
- Total Assets
- 32,826
- Total Debt
- 23,641
- Net Working Capital
- -10,570
- Contingent Liabilities
- 0
- Book Value per Share
- 485.40
- Face Value
- 10.00
- Total Debt
- 23,641
- Net Working Capital
- -10,570
- Contingent Liabilities
- 0
- Book Value per Share
- 485.40
- Face Value
- 10.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| -1,378 | -2,253 | -455 | -2,713 | -3,290 | -4,734 | 1,125 | -2,770 | |
| Cash from Investing | -7 | -608 | 24 | -33 | -314 | -994 | 708 | -101 |
| Cash from Financing | 1,829 | 2,915 | 2,146 | 1,967 | 3,365 | 5,494 | -1,669 | 2,751 |
| 444 | 54 | 1,715 | -780 | -239 | -234 | 164 | -120 | |
| Free Cash Flow | -1,378 | -2,824 | -494 | -2,815 | -3,308 | -4,782 | 1,084 | -2,804 |
| OCF / Net Profit | -4.28 | -6.71 | -3.46 | -7.69 | -3.98 | -3.27 | 2.12 | -3.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -14,223 | -10,315 | -12,626 |
| OCF / Net Profit | -4.28 | -6.71 | -3.46 | -7.69 | -3.98 | -3.27 | 2.12 | -3.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -14,223 | -10,315 | -12,626 |
Mar 2019
- -1,378
- Cash from Investing
- -7
- Cash from Financing
- 1,829
- 444
- Free Cash Flow
- -1,378
- OCF / Net Profit
- -4.28
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -4.28
- Cumulative 5-Year FCF
- 0
Mar 2020
- -2,253
- Cash from Investing
- -608
- Cash from Financing
- 2,915
- 54
- Free Cash Flow
- -2,824
- OCF / Net Profit
- -6.71
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -6.71
- Cumulative 5-Year FCF
- 0
Mar 2021
- -455
- Cash from Investing
- 24
- Cash from Financing
- 2,146
- 1,715
- Free Cash Flow
- -494
- OCF / Net Profit
- -3.46
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -3.46
- Cumulative 5-Year FCF
- 0
Mar 2022
- -2,713
- Cash from Investing
- -33
- Cash from Financing
- 1,967
- -780
- Free Cash Flow
- -2,815
- OCF / Net Profit
- -7.69
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -7.69
- Cumulative 5-Year FCF
- 0
Mar 2023
- -3,290
- Cash from Investing
- -314
- Cash from Financing
- 3,365
- -239
- Free Cash Flow
- -3,308
- OCF / Net Profit
- -3.98
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -3.98
- Cumulative 5-Year FCF
- 0
Mar 2024
- -4,734
- Cash from Investing
- -994
- Cash from Financing
- 5,494
- -234
- Free Cash Flow
- -4,782
- OCF / Net Profit
- -3.27
- Cumulative 5-Year FCF
- -14,223
- OCF / Net Profit
- -3.27
- Cumulative 5-Year FCF
- -14,223
Mar 2025
- 1,125
- Cash from Investing
- 708
- Cash from Financing
- -1,669
- 164
- Free Cash Flow
- 1,084
- OCF / Net Profit
- 2.12
- Cumulative 5-Year FCF
- -10,315
- OCF / Net Profit
- 2.12
- Cumulative 5-Year FCF
- -10,315
Mar 2026
- -2,770
- Cash from Investing
- -101
- Cash from Financing
- 2,751
- -120
- Free Cash Flow
- -2,804
- OCF / Net Profit
- -3.56
- Cumulative 5-Year FCF
- -12,626
- OCF / Net Profit
- -3.56
- Cumulative 5-Year FCF
- -12,626
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - |
| EPS (₹) | 22.41 | 23.16 | 8.61 | 22.65 | 51.98 | 90.72 | 33.27 | 48.54 |
| Book Value (₹) | 164.14 | 189.29 | 236.73 | 266.58 | 320.15 | 410.27 | 432.43 | 485.40 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 22.96 | 24.71 | 11.28 | 25.68 | 55.12 | 93.93 | 37.17 | 52.48 |
| PROFITABILITY | - | - | - | - | - | - | - | - |
| Operating Margin % | 71.96% | 62.44% | 47.05% | 55.25% | 66.89% | 72.05% | 47.32% | 49.48% |
| Net Margin % | 25.09% | 19.68% | 5.34% | 12.87% | 23.30% | 27.99% | 9.24% | 12.83% |
| ROE % | 13.66% | 13.20% | 4.10% | 9.01% | 17.87% | 24.87% | 7.90% | 10.59% |
| ROCE % | 12.65% | 10.70% | 8.28% | 9.26% | 12.06% | 14.76% | 9.55% | 9.98% |
| 4.22% | 3.25% | 0.92% | 2.11% | 4.08% | 5.50% | 1.80% | 2.52% | |
| EFFICIENCY | - | - | - | - | - | - | - | - |
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 2.07x | 3.50x | 2.97x | 3.11x | 3.21x | 3.34x | 2.96x | 3.04x |
| Interest Coverage (x) | 2.19x | 1.79x | 1.19x | 1.49x | 1.91x | 2.12x | 1.36x | 1.54x |
| 5.52x | 3.91x | 6.93x | 3.46x | 3.71x | 0.28x | 0.25x | 0.21x | |
| GROWTH | - | - | - | - | - | - | - | - |
| Revenue Growth % | 0.00% | 32.91% | 44.40% | 11.45% | 29.25% | 45.74% | 11.34% | 5.33% |
| Operating Profit Growth % | 0.00% | 15.32% | 8.80% | 30.89% | 56.48% | 57.24% | -26.89% | 10.10% |
| Net Profit Growth % | 0.00% | 4.27% | -60.83% | 168.70% | 133.96% | 75.04% | -63.25% | 46.34% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 74.52% | -63.33% | 45.90% | |
| VALUATION | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 15.87x | 28.63x | 23.80x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 3.51x | 2.20x | 2.38x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.69% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 11.68x | 12.59x | 13.62x |
Mar 2019
- EPS (₹)
- 22.41
- Book Value (₹)
- 164.14
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 22.96
- Operating Margin %
- 71.96%
- Net Margin %
- 25.09%
- ROE %
- 13.66%
- ROCE %
- 12.65%
- 4.22%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.07x
- Interest Coverage (x)
- 2.19x
- 5.52x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 23.16
- Book Value (₹)
- 189.29
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 24.71
- Operating Margin %
- 62.44%
- Net Margin %
- 19.68%
- ROE %
- 13.20%
- ROCE %
- 10.70%
- 3.25%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.50x
- Interest Coverage (x)
- 1.79x
- 3.91x
- Revenue Growth %
- 32.91%
- Operating Profit Growth %
- 15.32%
- Net Profit Growth %
- 4.27%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 8.61
- Book Value (₹)
- 236.73
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 11.28
- Operating Margin %
- 47.05%
- Net Margin %
- 5.34%
- ROE %
- 4.10%
- ROCE %
- 8.28%
- 0.92%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.97x
- Interest Coverage (x)
- 1.19x
- 6.93x
- Revenue Growth %
- 44.40%
- Operating Profit Growth %
- 8.80%
- Net Profit Growth %
- -60.83%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 22.65
- Book Value (₹)
- 266.58
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 25.68
- Operating Margin %
- 55.25%
- Net Margin %
- 12.87%
- ROE %
- 9.01%
- ROCE %
- 9.26%
- 2.11%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.11x
- Interest Coverage (x)
- 1.49x
- 3.46x
- Revenue Growth %
- 11.45%
- Operating Profit Growth %
- 30.89%
- Net Profit Growth %
- 168.70%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 51.98
- Book Value (₹)
- 320.15
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 55.12
- Operating Margin %
- 66.89%
- Net Margin %
- 23.30%
- ROE %
- 17.87%
- ROCE %
- 12.06%
- 4.08%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.21x
- Interest Coverage (x)
- 1.91x
- 3.71x
- Revenue Growth %
- 29.25%
- Operating Profit Growth %
- 56.48%
- Net Profit Growth %
- 133.96%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 90.72
- Book Value (₹)
- 410.27
- Dividend per Share (₹)
- 10.00
- Cash EPS (₹)
- 93.93
- Operating Margin %
- 72.05%
- Net Margin %
- 27.99%
- ROE %
- 24.87%
- ROCE %
- 14.76%
- 5.50%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.34x
- Interest Coverage (x)
- 2.12x
- 0.28x
- Revenue Growth %
- 45.74%
- Operating Profit Growth %
- 57.24%
- Net Profit Growth %
- 75.04%
- 74.52%
- P/E (x)
- 15.87x
- P/B (x)
- 3.51x
- Dividend Yield %
- 0.69%
- 11.68x
Mar 2025
- EPS (₹)
- 33.27
- Book Value (₹)
- 432.43
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 37.17
- Operating Margin %
- 47.32%
- Net Margin %
- 9.24%
- ROE %
- 7.90%
- ROCE %
- 9.55%
- 1.80%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 2.96x
- Interest Coverage (x)
- 1.36x
- 0.25x
- Revenue Growth %
- 11.34%
- Operating Profit Growth %
- -26.89%
- Net Profit Growth %
- -63.25%
- -63.33%
- P/E (x)
- 28.63x
- P/B (x)
- 2.20x
- Dividend Yield %
- 0.00%
- 12.59x
Mar 2026
- EPS (₹)
- 48.54
- Book Value (₹)
- 485.40
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 52.48
- Operating Margin %
- 49.48%
- Net Margin %
- 12.83%
- ROE %
- 10.59%
- ROCE %
- 9.98%
- 2.52%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 3.04x
- Interest Coverage (x)
- 1.54x
- 0.21x
- Revenue Growth %
- 5.33%
- Operating Profit Growth %
- 10.10%
- Net Profit Growth %
- 46.34%
- 45.90%
- P/E (x)
- 23.80x
- P/B (x)
- 2.38x
- Dividend Yield %
- 0.00%
- 13.62x
Documents
Announcements
- ESOP/ESOS/ESPS
2026-08-20 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding Allotment of 43025 Shares.
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
Annual Reports
Nothing filed yet.
Credit Ratings
Nothing filed yet.
Concalls
Jul 2026
May 2026
Jan 2026